Solo(k) Plan Establishment Kit

Solo(k) Plan Establishment Kit The employer (Plan Owner) must provide a copy of the forms to and the Plan Participant. All documents should be read and retained for your records. requires a Third Party Administrator (TPA) Please provide a copy of the service agreement you signed with your TPA. Gather the required documents and provide to for administration review. See the table below for appropriate documents required for your plan. Required Documents Documents for Plan Owner and Participant: Return to Return to TPA Retain To Establish plan: Solo(k) Application* Solo(k) Adoption Agreement* Solo(k) Plan Agreement* Custodial Account Agreement* Solo(k) Resolutions Adopting Plan* Solo(k) Beneficiary Designation* In-Plan Roth Rollover Amendment Kit* (Note: If Roth moneytype is not allowed or if you do not want to allow IRR, this document should Solo(k) Contribution* Solo(k) Rollover* not be completed) Solo(k) Loan Policy* (Note: If loans are not available, please don t complete) To immediately fund, please submit the following: Deferral Election Unincorporated Business Deferral Election-Incorporated Business Supplied TPA Documents: Pension Benefits Consulting (PBC) as Third Plan Administrator (Note, if you are not using PBC as your Third Party Administrator we need a copy of the service agreement from your TPA.) PBC Service Agreement* PBC Service Agreement Fee Schedule Continued»

Documents for Plan Owner and Participant: Return to Return to TPA Retain PBC Contribution Assessment Questionnaire PBC General Questionnaire PBC Definition of Disqualified Person To keep for your records: Solo(k) Plan and Trust Document Solo(k) Summary Plan Description IRS Letter 4333 (Opinion Letter) Privacy Notice Solo(k) Service Schedule = document to return and/or retain * Requires client signature You may upload documents at www.pensco.com/upload Questions? Please contact us at 866.818.4472

P 1.800.962.4238 W www.pensco.com Solo(k) Application IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each client who opens an account. When you open an account, we will ask for your name, physical address, date of birth, Social Security number, and other information that will allow us to identify you. We may also ask to see your driver s license or other forms of identification. **Please note that it can take up to two weeks to establish a new Plan. 1. PLAN INFORMATION Enter your Plan Name below. You will use this plan name on several of the establishment forms. Solo(k) Plan (Your company s name, or your name if you are a sole proprietor.) If applicable, enter name of referring organization, individual or promotion code below. *SOL-501A* Referral/Promo Code: 2. EMPLOYER INFORMATION Contact Name First Name: MI: Last Name: Name of Adopting Employer: Mailing Address: Home Business City: State/Province: Country: Postal Code: Primary Phone: Type: Cell Home Business Fa Number: Adopting Employer s Fiscal Year End: Adopting Employer s Federal Ta ID Number: 3. PLAN TRUSTEE INFORMATION (See instructions for completing your Adoption Agreement, Section 7) First Name: MI: Last Name: 4. PARTICIPANT 1 INFORMATION First Name: MI: Last Name: Social Security Number: Birth Date: Residence Address: Home Business City: State/Province: Country: Postal Code: Email Address (important for notifying you of transactions or information pertaining to your Solo(k) Plan): Primary Phone: Type: Cell Home Business Fa Number: Which money types do you plan to fund ($50 charge per money type)? Pre-ta deferral After-ta Roth deferral Profit sharing Rollover 2015 TRUST COMPANY Solo(k) Account Application SOL-501A (01/15) 1 of 2

5. PARTICIPANT 2 INFORMATION First Name: MI: Last Name: Social Security Number: Birth Date: Residence Address: Home Business City: State/Province: Country: Postal Code: Email Address (important for notifying you of transactions or information pertaining to your Solo(k) Plan): Primary Phone: Type: Cell Home Business Fa Number: Which money types do you plan to fund ($50 charge per money type)? Pre-ta deferral After-ta Roth deferral Profit sharing Rollover 6. SIGNATURES The Employer and Participant(s) of the Plan named in Section 1 of this Solo(k) Application acknowledge that: 1. He or she has received and read, and understands, the Custodial Agreement, and Fee Schedule found in this Plan Establishment Kit for the Solo(k) plan that the Employer is establishing; and 2. Such Custodial Agreement and Fee Schedule set forth, among other things, the duties, limitations on duties, and rights of the Employer and Participants, and Services LLC. By signing this application below, the plan s Employer and Participants accept and agree to all of the terms and provisions of the Custodial Agreement and Fee Schedule, and warrant that all the information provided in this application is true. Employer Signature Date Participant 1 Signature Date Participant 2 Signature Date Upload forms to: www.pensco.com/upload Fa to: 303-614-7038 Send mail to: P.O. Bo 173859 Denver, CO 80217-3859 For epress deliveries: 1560 Broadway, Suite 400 Denver, CO 80202 Questions? Call 1-866-818-4472 For Trust Company use only: X Authorized Signature Account Number ( Trust Company will complete) does not provide investment advice, does not sell investments, and does not offer ta or legal advice. does not evaluate, recommend or endorse any advisory firm or investment. Investments are not FDIC insured and are subject to risk, including the loss of principal. 2015 TRUST COMPANY Solo(k) Account Application SOL-501A (01/15) 2 of 2

P 1.800.962.4238 W www.pensco.com Solo(k) Plan Agreement 1. Document Selected The undersigned employer ( Employer ) has selected, and Trust Company has provided, the Employer, a prototype plan document of which Trust Company ( ) is the document sponsor and related adoption agreement (collectively, the Plan Document ), subject to the terms and conditions set forth in this Agreement. 2. Products and Services Provided *SOL-501E* (a) shall provide the Employer the Plan Document for Employer s adoption and use in establishing and maintaining a new plan (the ( Plan ) designed to satisfy the qualified plan, 401 (k) and Roth 401 (k) requirements of Internal Revenue Code ( Code ) sections 401 (a), 401 (k) and 402A. (b) shall obtain a favorable opinion letter for the prototype document and provide the Employer with a copy of such letter. (c) shall obtain and furnish to the Employer amendments to the Plan Document necessary to maintain compliance with the requirements of Code sections 401 (a), 401 (k) and 402A. (d) shall make reasonable and diligent efforts to enable the Employer to timely amend the Plan Document when so necessary, and will notify the Employer when reasonably believes the plan is no longer a qualified plan under Code section 401(a), as required by Revenue Procedure 2005-16 or any successor Revenue Procedure. However, shall not be responsible if the Employer fails to complete the amendment process. 3. Limited Additional Services (a) shall furnish to the Employer certain forms for use in the operation of the Plan. The Employer may choose to use forms in lieu of those furnished by. The Employer acknowledges that forms in addition to those furnished by may be required in the operation of the Plan. The Employer is responsible, and has no responsibility for, ensuring that all forms necessary for proper operation of the Plan and compliance with applicable ta and reporting requirements are timely obtained, completed, processed and filed. The Employer is responsible for the operation of the plan, for ensuring that plan operation complies with all applicable laws, ta and reporting requirements, and for determining whether to engage, actually engaging, paying, and overseeing any third party administrator to provide administrative services in connection with the Plan s operation. (b) shall have no duties to the Employer or with the respect to the Plan ecept those epressly specified herein or in a custodial agreement ( Custodial Agreement ) entered into by the Employer, the Plan s trustee, and pursuant to which shall serve as custodian of Plan assets. Specifically, shall have no duty to: (i) determine whether or not the Employer has timely eecuted documents necessary to maintain the Plan s ta-qualified status; (ii) ensure that any form or report is accurately or timely furnished, completed or filed; (iii) determine if the operation of the Plan is in accordance of the terms of the plan, applicable law, or the requirements for maintaining the Plan s ta-qualification status under the Code; (iv) determine the permissibility or ta consequences of any contribution, distribution, investment or other actability or transaction involving the Plan; (v) perform any due diligence, investigation or other review of the suitability, nature, prudence, value, viability, risk, safety, legality, ta consequences or merits of any investment made by the Plan; (vi) monitor or supervise the activities of any person (other than an employee of with respect to its specific duties under this Agreement or the Custodial Agreement) involved in the operation of the Plan; or (vii) d etermine the market or other value of any Plan asset. 4. Confidentiality and Limitations on Use of Documents The Employer and acknowledge that the Plan Document and related documentation are provided to, and use of same by is permitted, by Ascensus and that the Plan Document and related documentation are copyrighted, and that all applicable rights to patents, copyrights, trademarks, trade secrets and intellectual property rights of any kind whatsoever in the Plan Document are and shall remain in the ownership of Ascensus. Ascensus shall remain the sole copyright owner of any amendments or changes to the prototype document and any other written materials provided by to the Employer that have been provided to by Ascensus. The Employer agrees that it will treat all such documents with the same degree of care and security as it accords its own most confidential information and will instruct its employees, agents, and clients to do the same. Specifically, and without limitation, the Employer agrees that: (a) lt will not copy or duplicate, by any means, all or any part of any such documents, ecept as specifically permitted in this Agreement or required by law, without and Ascensus s prior written consent; (b) lt will not remove or permit to be removed from any 2015 TRUST COMPANY SOL-501E Solo(k) Plan Agreement (06/15) 1 of 3

item included any such documents, any notice indicating the confidential nature or the proprietary rights in such item; (c) l t will not, and will instruct its employees and agents and any person to whom it provides a copy of all or part of any such documents to not, sell, lease, license, transfer, publish, disclose or otherwise make available to others all or any part of any such documents or any copy thereof, ecept as required by law; and (d) lt will not, and will instruct its employees and agents to not, use all or any part of any such documents or any information disclosed to by Ascensus for the purpose of creating or duplicating all or any part of any such documents. 5. Plan Participants The Employer represents and warrants that the Plan s only participant(s) will be either (a) the sole proprietor of the Employer or the owner of all equity interests of the Employer or (b) such a sole proprietor or owner and his or her spouse. If the foregoing representation becomes (including an account of the divorce of the participants), or is discovered by the Employer to be, untrue, the Employer shall immediately so notify, and may, at its option, either terminate this Agreement or continue the Agreement on such terms and conditions as agreed to by and the Employer. 6. Consideration (a) ln consideration for the performance by of its obligations under this Agreement, the Employer agrees that shall serve as custodian of all of the Plan s assets in accordance with the Custodial Agreement entered into between the Employer, and the Plan s trustee. (b) may charge the Employer and shall be reimbursed by the Employer for any reasonable epenses incurred by in connection with any services or activities that determines are necessary or advisable, or which are epressly directed by the Employer, and which are not included in the services is specifically required to provide under this Agreement. 7. Trust Agents may engage agents and organizations, including but not limited to Services LLC, for the purpose of performing administrative or other services in connection with this Agreement. The limitations on the duties of under this Agreement or otherwise shall also apply to each agent or organization so engaged. 8. I ndemnification of Trust and Services LLC The Employer agrees to defend, indemnify and hold harmless, Services LLC, their employees, directors, shareholders, officers, agents and representatives, and any successors or assigns of the foregoing, from and against any and all damages, loses, liabilities, claims, actions, costs and epenses, including but not limited to attorney s fees, court costs and witness fees, that and Services LLC, or any of such persons may subject to, incur or pay out, based on, as a result of, arising out of or otherwise related in any way to: (a) any act of or Services LLC or any other such person with respect to the performance of services under this agreement; or (b) a ny lawsuit, action, arbitration, formal inquiry or other legal proceeding in which or Services LLC or any other such person is named as a party (ecept for any action in which or Services LLC is named as a defendant by the Employer alleging a breach of this Agreement by ). Such agreement to indemnify and hold harmless is in addition to, and not in limitation of, any other indemnification or hold harmless obligation of the Employer under the Agreement or applicable law. The obligations of the Employer under this Paragraph 8 shall survive the cancellation or termination of this Agreement. 9. Arbitration The Employer or the Trustee hereby agrees that all claims and disputes of every type and matter between the Employer, the Trustee or the Participant and, including but not limited to claims in contract, tort, common law claims or alleged statutory violations, shall be submitted to binding arbitration pursuant to the Commercial Rules of the American Arbitration Association when the total damages by all claimants in an Arbitration Demand eceed $ 75,000 the proceedings and hearings in the case shall take place only in Denver, Colorado; when the total damages by all claimants in an Arbitration Demand are $ 75,000 or less, the arbitration proceedings and hearings in the case shall take place only in the city with a United States District Court nearest to the residence of one or more of the Employer, the Trustee or the Participant. To the etent not preempted by federal law, Colorado law (including without limitation Colorado statutes governing arbitration proceedings) shall control during the arbitration. The Employer, the Trustee and the Participant epressly waive any right he/ she may have to institute or conduct litigation or arbitration in any other forum or location, or before any other body, whether individually, representatively or in another capacity. Arbitration is final and binding on the parties. An award rendered by the arbitrator(s) may be confirmed in any court having jurisdiction over the parties. In arbitration the parties are entitled to a fair hearing, but arbitration proceedings are simpler and more limited than rules applicable in court. The arbitrator s award is not required to include factual findings or legal reasoning, and any party s right to appeal or to seek modification of rulings by the arbitrator is strictly limited. The Employer, the Trustee and the Participant agree to the Arbitration Statement above and to the Indemnification of Custodian contained in the plan documents. The indemnification obligation specifically applies to claims brought by the Custodian. 10. Attorney s Fees In the event of any dispute or controversy between or Services LLC and the Employer with regard to this Agreement or any provision hereof, or its interpretation, construction or implementation, or relating to the respective duties of the parties hereunder, the prevailing party in such dispute shall be entitled to recover from the non-prevailing party all reasonable fees, costs and epenses, including without limitation, attorneys fees, costs and epenses incurred by or on behalf of the prevailing party, all of which shall be in addition to any award of damages or other relief to which such party is entitled. 2015 TRUST COMPANY SOL-501E Solo(k) Plan Agreement (06/15) 2 of 3

11. Governing Law 15. Entire Agreement Ecept to the etent governed by or subject to the requirements of the Code or other applicable federal law, or preempted by federal law, this Agreement shall be governed by and construed and administered under the laws of the State of Colorado, without giving effect to any state s choice of law provisions. This Agreement constitutes the entire agreement between and the Employer with respect to the subject matter hereof and supersedes all oral and written agreements, negotiations, understandings and communications regarding such subject matter. This Agreement may not be modified or amended ecept in writing, signed by all parties hereto. 12. Effective Date In lieu of the Custodian s signature below, acceptance and eecution of this agreement by the Custodian is evidenced by the custodian s establishment of a Custodial account for the Participant. 13. Termination This Agreement and any rights granted hereunder and under any addendum or ehibit may be terminated: (a) b y either party upon written notice at least 30 days prior to the end of the initial term or any renewal term; (b) b y if it is not or ceases to be the sole custodian of the Plan s assets; (c) i mmediately by if the Employer shall breach any provision or obligation of confidentiality contained in this Agreement (including any addendum or ehibit); and (d) by either party if the other party shall breach any material provision (ecluding confidentiality) of this Agreement and such breach is not cured within 30 days after receipt of written notice by the breaching party. Upon termination or epiration of this Agreement, for any reason, the Employer shall cease to use all documents furnished by under this Agreement. Termination of this Agreement shall not relieve the Employer of its obligations regarding confidentiality. After termination of this Agreement, shall have no responsibility to the Employer with respect to updating, maintaining, amending of any documents, informing the Employer of any requirement for some, or providing any services contracted for under this Agreement. The Employer agrees to assume the responsibility of updating, maintaining, and amending any documents provided hereunder. Nothing herein shall limit the Employer s obligations for any payments due at the time of termination. Termination of this Agreement shall be in addition to and not in lieu of any other remedies available to either party at law or in equity. TRUST COMPANY: (Signature) (Print title of person signing) Dated EMPLOYER: (Print employer name) (Signature) (Print title of person signing) Dated 14. Notices All notices required or permitted by this Agreement will be in writing and by United States certified mail, return receipt requested, or by a nationally recognized overnight courier. All notices to the Employer shall be at its address lost provided to. All notices to shall be to: Trust Company P.O. Bo 173859 Denver, CO 80217-3859 For epress deliveries: Trust Company 1560 Broadway Suite 400 Denver, CO 80202-3331 Upload forms to: www.pensco.com/upload Fa to: 303-614-7038 2015 TRUST COMPANY Send mail to: P.O. Bo 173859 Denver, CO 80217-3859 For epress deliveries: 1560 Broadway, Suite 400 Denver, CO 80202-3331 Questions? Call 1-800-962-4238 SOL-501E Solo(k) Plan Agreement (06/15) 3 of 3

Toll Free: 800-962-4238 www.pensco.com Solo(k) Custodial Agreement 1. Designation and Acceptance by Custodian The Employer and Trustee named below hereby appoint Trust Company LLC ( ) to be custodian of the assets of the [Enter the Plan Name you created in Section 1 of your Solo(k) Application Form] (the Plan ), and agrees to serve as custodian of the Plan s assets, on the terms and conditions set forth in this Custodial Agreement ( Custodial Agreement ). 2. Holding of Assets *SOL-501D* shall hold, as custodian, all deposits, funds and assets of the Plan that the Trustee or Employer designates and transfers to for such purpose, for and on behalf of the Plan. Such deposits, funds and assets are referred to hereinafter as the Fund. The Trustee, on behalf of the trust established by the Plan, shall remain the legal owner of all Fund assets. Fund assets shall be held in the name of Trust Company, Custodian, FBO the Plan or in one of the nominee names registered to unless agreed to otherwise by and the Employer or Trustee. 3. Interested Party (Information Only Designation) The Employer or Trustee may authorize an additional person (other than the Plan participant, Financial Representative or Designated Representative) to receive Account information and electronic statements ONLY. will not accept purchase or sale instructions from an Interested Party. Individuals who are designated as an Interested Party by the Employer or Trustee may not be a sponsor of or otherwise affiliated with an investment in the Account. It is the responsibility of the Employer or Trustee to review the assets for the Plan to ensure compliance with this provision and to take steps to remove an Interested Party from the Plan in the event of non-compliance. 4. Financial Representative Information and Authorization The Employer or Trustee may choose to designate a Financial Representative (FR), who the Employer or Trustee authorizes to eecute transactions for the SOLO(k) according to the terms and Conditions of Appointment of Financial Representative below. The FR must separately consent to his or her designation as the Employer s or Trustee s agent, and acknowledge that he or she will be acting solely as the Employer s or Trustee s agent and not as the agent of. 5. Terms and Conditions of Financial Representative Appointment By eecution of the Application, the named FR (if any) has been designated subject to the following terms and conditions: (a) The Employer or Trustee, and not, is responsible for the actions of the FR. The FR is the authorized agent of the Employer or Trustee and is not an employee or agent of. 2016 TRUST COMPANY, a subsidiary of Opus Bank (b) The Employer or the Trustee acknowledges that does not recommend the appointment or retention of any specific FR, does not make any representations regarding his/her compliance with securities laws or registration requirements, and is not affiliated with the FR in any way. (c) The FR (which includes the FR s employees and staff) is authorized to provide transaction instructions to for the Account and to direct to perform transactions for the Account on behalf of the Employer or Trustee. Such direction may include, but is not limited to, making or receiving payment pursuant to the FR s investment directions or upon receipt of transaction confirmations. (d) The FR may remove himself or herself upon written notice to. (e) shall be fully protected in relying on and acting on any notice, instruction, direction or approval received from the FR. shall be under no duty to make any investigation or inquiry with respect to any notice, instruction, direction or approval received from the FR, or to investigate or take any action with respect to the FR. (f) The Employer or the Trustee may remove his or her FR by providing written notice to on a form acceptable to ; however, the removal of a FR shall not have the effect of cancelling any notice, instruction, direction or approval from that FR received by before receives written notice of the removal of the FR. (g) The Employer or the Trustee may designate a new FR by providing written notice to on a form provided by ; however, shall not rely on or act on any notice, instruction, direction or approval from the new FR received by before receives the written notice of the new designation of the FR. (h) shall reflect the name and business address of the Employer s or Trustee s designated FR on each quarterly Account statement and shall assume that the FR information reflected on the Account statement is accurate unless the Employer or the Trustee and/or the FR notifies in writing of the discrepancy. (i) If the FR is associated with a broker-dealer firm or financial echange, may make information about Account activity available to the broker-dealer or echange to assist them with their supervisory responsibilities required under applicable rules and regulations. (j) The FR and his/her employees, staff, broker-dealer firm, and any companies to which the aforementioned are associated, may not sponsor or otherwise be affiliated with the investments purchased within the SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 1

Account. It is the responsibility of the Employer or the Trustee and the FR to perform a review of the investments for the Account to ensure compliance with this provision and to take necessary steps to remove the FR from the Account in the event of non-compliance. (k) It is the Employer s or Trustee s responsibility to review the actions of the FR to ensure compliance with all laws and regulations and to remove the FR if he or she does not comply with the laws, rules and regulations that apply to the Account or to the terms of the Account. (l) If permitted by the Employer, a Financial Representative may be designated, or identified by, a Plan participant with respect to the Participant s interest in the Fund. In that event, the terms, provisions and restrictions of this Agreement applicable to the Employer with respect to the Financial Representative shall be applicable to the participant to the etent of the participant s interest in the Fund. 6. Designated Representative (a) The Employer or Trustee, by providing such information in any form or manner that is otherwise acceptable to, may designate a representative ( Designated Representative ) through whom shall be authorized to accept investment instructions for the Fund.The Employer or Trustee (and not ) shall be responsible for investigating, selecting, instructing and monitoring the Designated Representative and to perform whatever investigation or due diligence as may be appropriate before selecting, designating or retaining the Designated Representative. The Designated Representative shall be the authorized agent of the Employer or Trustee and shall not be, and shall not be treated for any purpose as, an employee, agent or affiliate of, or as controlled, approved, recommended or endorsed by. shall have no duty to, and shall not, supervise or monitor the Designated Representative or any investment transactions the Designated Representative instructs to make. may construe any and all investments and trans- actions requested or directed by the Designated Representative, whether written or oral, as having been duly authorized by the Employer or Trustee. If the Employer or Trustee has appointed a Designated Representative for the Fund, is authorized to notify the Designated Representative of any investment instruction(s) received from the Employer or Trustee; unless the Employer or Trustee specifically notifies NOT to do so in writing, or is prohibited from doing so by law. will not be responsible for any consequences of such notification. The Employer or Trustee may remove a Designated Representative by written notice to, provided, however, that removal of a Designated Representative shall not have the effect of cancelling any notice, instruction, direction or approval received by from the removed Designated Representative before has received written notice of removal of the Designated Representative and has had a reasonable opportunity to implement such cancellation. (b) If the Employer or Trustee designates a Designated Representative who is a registered investment advisor (RIA), these additional provisions shall apply: may accept instructions from the Designated 2016 TRUST COMPANY, a subsidiary of Opus Bank Representative who is a RIA for investment and other transactions concerning the Fund as having been duly authorized by the Employer or Trustee, whether pursuant to any power of attorney, investment management agreement or similar document or instrument pursuant to which the Employer or Trustee has given authority to the RIA with respect to assets such as the Fund. may rely on and implement such instructions from a Designated Representative who is a RIA without obtaining, reviewing or requiring such Designated Representative to provide a copy of any power of attorney, investment management agreement or similar document signed by the Employer or Trustee, and without determining the eistence or scope of any restrictions on the authority of the Designated Representative. may rely on any communication from any employee of the Designated Representative who is a RIA as having been delivered on behalf of the Designated Representative and shall have no obligation or duty to investigate or determine whether that employee was authorized to deliver those instructions. The Employer or Trustee agrees that he or she (and not ) is responsible for monitoring the instructions and authorizations issued by the Designated Representative. The Employer or Trustee agrees that the provisions of this subparagraph (b) and any other provisions in this Custodial Agreement relating to a Designated Representative who is a RIA shall apply as well to any other person that the Employer or Trustee may designate as a Designated Representative if such person is not a RIA but is a regulated person or entity, such as a bank, savings and loan, broker-dealer or other financial institution, with appropriate modifications to the language to reflect the substitution of the type of regulated entity (e.g., bank ) for RIA in the relevant provision. (c) If the Employer or Trustee appoints a Designated Representative who is a RIA, the Employer or Trustee agrees that may communicate with the Designated Representative as the principal point of contact with respect to all matters concerning the Fund and that shall have no obligation to copy the Employer or Trustee on its communications with the Designated Representative. The Employer or Trustee also authorizes to provide copies of all correspondence, reports and statements with respect to the Fund and any related information about the Fund to a Designated Representative who is a RIA. (d) If permitted by the Employer, a Designated Representative may be designated, or identified by, a Plan participant with respect to the Participant s interest in the Fund. In that event, the terms, provisions and restrictions of this Agreement applicable to the Employer with respect to the Designated Representative shall be applicable to the participant to the etent of the participant s interest in the Fund. 7. Responsibilities for Investment Decisions and Authorization (a) The Employer, Trustee, the Designated Representative or Financial Representative or a Plan participant (with respect to such participant s Plan accounts) may direct to invest Fund assets in any lawful investment acceptable to, in a format prescribed by. Cash balances in the Fund for which no investment instructions have been received shall be placed in an interestbearing account, subject to the provisions of Paragraph SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 2

7(g) below. AND SERVICES LLC SHALL HAVE NO INVESTMENT RESPONSIBILITY WITH RESPECT TO THE INVESTMENT OF THE FUND. THE EMPLOYER, TRUSTEE, DESIGNATED REPRESENTATIVE OR FINANCIAL REPRESENTATIVE AND PLAN PARTICIPANT(S) HAVE THE SOLE RIGHT AND RESPONSIBILITY TO DIRECT THE INVESTMENT OF THE FUND. AND SERVICES LLC SHALL NOT BE RESPONSIBLE OR LIABLE FOR TAXES, LOSSES OR OTHER CONSE- QUENCES RESULTING FROM INVESTMENTS MADE OR TRANSACTIONS ENTERED INTO AT THE DIRECTION OF THE EMPLOYER, TRUSTEE, THE DESIGNATED REPRESENTATIVE OR FINANCIAL REPRESENTATIVE OR PLAN PARTICIPANT(S). (b) The Employer, Trustee, the Designated Representative or Financial Representative and Plan participant(s) shall be solely responsible for determining the suitability, nature, prudence, value, viability, risk, safety, legality, ta consequences and merit of, and to perform any due diligence or other investigation with respect to, any particular investment, strategy or transaction involving the Fund. and Services LLC shall have no responsibility for, and shall not undertake, any such determination, performance or investigation. and Services LLC shall render no ta, legal investment or other advice (and no statement, communication or other act by or Services LLC or any of their employees or agents shall be deemed to constitute or may be relied upon as any such advice) with respect to any investment or transaction involving the Fund. shall be authorized, and shall have the responsibility, only to acquire, hold and dispose of such investments as directed by the Employer, Trustee, the Designated Representative or Financial Representative and/or the Plan participant(s) or as epressly provided in this Agreement. (c) The Employer, Trustee, the Designated Representative or Financial Representative and the Plan participant(s) shall be solely responsible for monitoring Fund investments. and Services LLC shall have no responsibility whatsoever for supervising or monitoring investments or transactions of the Fund, ensuring the receipt of Fund disbursements or engaging in any collections or related activities. (d) The Employer, Trustee, the Designated Representative or Financial Representative and/or the Plan participant(s) shall be solely responsible for the success, failure or other consequences of any investment or transaction directed by such person. and Services LLC shall not be liable or otherwise accountable for taes, losses, epenses or other consequences resulting from investments made or transactions entered into, or acts taken or omitted, in accordance with the Employer s, Trustee s, the Designated Representative s or Financial Representative s or a Plan participant s directions or for taking or failing to take any actions in reliance on the instructions or representations of such person and shall have no liability or responsibility for monitoring or confirming the scope of authority granted to any Designated Representative or Financial Representative. Without limiting the generality of the foregoing, the Employer and Trustee agree to hold 2016 TRUST COMPANY, a subsidiary of Opus Bank and Services LLC and their employees and agents harmless from all losses, liabilities and epenses incurred, including attorney s fees, arising out of their administration of the Fund or in connection with any actions taken or failures to act in reliance upon the Employer s, Trustee s, the Designated Representative s or Financial Representative or a Plan participant s instructions. (e) The Employer and Trustee acknowledge that certain investments or types of investments or transactions may pose administrative or other burdens to and/ or Services LLC, and therefore reserves the right not to process or accept such investments or transactions. The decision not to act on investment directions that deems unacceptable for administrative or other reasons shall in no way be construed as a determination by or Services LLC concerning the suitability, nature, prudence, value, viability, risk, safety, legality, ta consequences or merit of the investment or transaction. The Employer and Trustee further acknowledge that (1) any administrative review performed by and/or Services LLC is solely for their benefit and is not a due diligence or other review with regard to the investment or transaction and (2) the conducting or results of such a review shall not constitute, may not be relied upon as, or in any way obligate or Services LLC or their employees or agents to provide an opinion, 1 recommendation or prediction or advice regarding the suitability, nature, prudence, value, viability, risk, safety, legality, ta consequences, merit or any other aspect of the investment or transaction. (f) The Employer and Trustee acknowledge that certain types of investments or transactions directly or indirectly involving or relating to the Fund or its assets or income may (1) constitute prohibited transactions, within the meaning of Internal Revenue Code ( Code ) section 4975, resulting in ta consequences to certain persons, (2) generate unrelated business taable income, as defined in the Code, for the Fund, (3) constitute listed transactions or reportable transactions, as defined in the Code and regulations or other pronouncements issued by the United States Treasury or Internal Revenue Service, resulting in reporting requirements, and adverse consequences for failing to comply with any applicable reporting or other requirements, for the Plan, the Plan s trust and/or other persons and/or (4) otherwise result in adverse ta consequences to the Plan and/or the Plan s trust or its participants or beneficiaries. IT IS THE EMPLOYER S, TRUSTEE S DESIGNATED REPRESENTATIVE S, OR FINANCIAL REPRESENTATIVE AND PLAN PARTICIPANT S RESPONSIBILITY TO DETERMINE, AND TO CONSULT SUCH PERSON S OWN ADVISOR AS SUCH PERSON DEEMS NECESSARY OR ADVISABLE IN ORDER TO DETERMINE, WHETHER ANY INVESTMENT OR TRANSACTION INVOLVING THE FUND OR ITS ASSETS OR INCOME DOES OR MAY CONSTITUTE A PROHIBITED SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 3

TRANSACTION, GENERATE UNRELATED BUSINESS TAXABLE INCOME, CONSTITUTE A LISTED OR REPORTABLE TRANSACTION, OR RESULT IN ANY OTHER TAX OR ADVERSE CONSEQUENCE, AND THE CONSEQUENCES, REQUIREMENTS AND OBLIGATIONS RESULTING THEREFROM. AND SERVICES LLC AND THEIR EMPLOYEES AND AGENTS SHALL NOT BE RESPONSIBLE FOR MAKING ANY SUCH DETERMINATION, OR FOR NOT ADVISING THE EMPLOYER OR TRUSTEE TO MAKE ANY SUCH DETERMINATION. AND SERVICES LLC SHALL NOT BE HELD LIABLE FOR LOSSES, TAXES, PENALTIES OR OTHER CONSEQUENCES RESULTING FROM ANY FUND INVESTMENT OR TRANSACTION THAT CONSTITUTES A PROHIBITED TRANSACTION, GENERATES UNRELATED BUSINESS INCOME TAXABLE INCOME, IS A LISTED TRANSACTION OR REPORTABLE TRANSACTION, OR OTHERWISE RESULTS IN ANY ADVERSE CONSEQUENCE TO ANY PERSON. (g) The Employer, Trustee, the Designated Representative or Financial Representative or a Plan participant (with respect to such participant s Plan accounts) shall direct the Custodian with regard to the investment of any cash in the Account. In the absence of specific direction from the Employer, Trustee, the Designated Representative or Financial Representative or a Plan participant to invest cash in the Account, the Custodian will be deemed to have been directed by the the Employer, Trustee, the Designated Representative or Financial Representative or Plan participant to deposit all uninvested cash with an FDIC-insured depository institution(which may include banks affiliated or that may be affiliated with, such as Opus Bank), and is authorized in the future to withdraw the full balance of such uninvested cash and deposit it with another FDIC-insured depository institution selected by the Custodian(which may include banks affiliated or that may be affiliated with PENCSO, such as Opus Bank). Deposit accounts in banks affiliated or that may be affiliated with, such as Opus Bank, shall bear a reasonable rate of interest. 8. Limited Duties of and Services, LLC (a) and Services LLC, Inc. shall act as custodian of the Fund, and and its agents shall have the duty and authority with respect to the Fund to: (i) receive assets of the Plan transferred to it by the Employer or Trustee, and, ecept as otherwise provided in this Agreement, invest them pursuant to the instructions of the Employer, Trustee or the Designated Representative; (ii) purchase, sell, transfer, hypothecate, mortgage, encumber, take title to, record, and obtain title and other insurance for, real or personal property, anywhere situated, according to the instructions of (and only if instructed by) the Employer, Participant Trustee or the Designated Representative, to the etent not inconsistent with the other terms of this Agreement or applicable law; 2016 TRUST COMPANY, a subsidiary of Opus Bank (iii) pay insurance premiums, real property and other taes, and other epenses associated with any assets of the Fund, according to the instructions of (and only if instructed by) the Employer, Trustee or the Designated Representative; (iv) reinvest all dividends and capital gains distributions from Fund investments according to (and only according to) the instructions of the Employer, Trustee or the Designated Representative; (v) maintain separate accounts with respect to each type of contribution to the Plan for each Plan participant, to the etent required for the Plan to comply with applicable provisions of the Code; (vi) account for contributions, investments, deductions, distributions and other disbursements made under this Agreement with respect to the Fund or any separate account, and produce and furnish to the Trustee, Third Party Administrator and Plan and (if the Designated Representative is a RIA) to the Employer or Trustee s Designated Representative statements showing same; (vii) provide to the Employer, Trustee and/or the Plan s plan administrator and (if the Designated Representative is a RIA) to the Employer or Trustee s Designated Representative information to enable them to file reports required under the code, the regulations thereunder or the Internal Revenue Service. (b) Neither nor Services LLC shall have any duties ecept for those duties epressly imposed under this Agreement or applicable law. and Services LLC shall have NO duty, to, among other things: (i) ascertain whether any contribution to the Plan or transfer to the Fund by the Employer or Trustee is properly made under applicable provisions of the Code or otherwise; (ii) determine whether the amount of contributions to the Plan eceeds any limitation contained in any applicable provision of the Code or otherwise; (iii) determine the permissibility or ta or other consequences of any distribution requested by the Employer, Trustee or Plan participant or beneficiary; (iv) perform any due diligence, investigation or other review of the suitability, nature, prudence, value, viability, risk, safety, legality, ta consequences or merits of any investment the Employer, Trustee, Participant or the Designated Representative instructs to make; (v) monitor or supervise the activities, or determine the scope of authority granted to, the Designated Representative; (vi) question the intent of the Employer s Participant s or Trustee s Designated Representative s instructions regarding any investment or transaction; (vii) determine the market or other value of any illiquid or non-publicly traded asset held in the Fund; (viii) act as an investment adviser to the Employer, Trustee or Plan participant or review or make suggestions with regard to investments or transactions involving the assets of the Fund; or SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 4

(i) determine whether any transaction or investment would constitute a prohibited transaction, generate unrelated business taable income, or constitute a listed transaction or reportable transaction, as any of those foregoing terms are defined in the Code and regulations thereunder, or to inform the Employer, Trustee or any other person of the consequences and reporting requirements with respect to same. (c) Whenever the Employer, Trustee, Designated Representative or Plan participant gives any direction, notice, warranty, representation or instruction under this Agreement, and Services LLC shall be entitled to assume the truth of any statement made by such person, or believed to have been made by such person, in connection therewith, and and Services LLC shall be under no duty of further inquiry with respect thereto, and shall have no liability with respect to any action taken in reliance upon such statement. Furthermore, if any direction, notice or instruction from any such person is incomplete, ambiguous or unclear, may, in its discretion, request completion or clarification and not act in accordance with such direction, notice or instruction until adequate completion or clarification is provided. (d) NEITHER NOR SERVICES LLC SHALL BE OR BE TREATED AS A FIDUCIARY OF THE PLAN FOR ANY PURPOSE. NOTHING IN THIS AGREEMENT IS INTENDED TO OR SHALL IMPOSE OR CONFER, BY IMPLICATION OR OTHERWISE, ANY FIDUCIARY DUTY OR RESPONSIBILITY ON OR SERVICES LLC. THE EMPLOYER AND TRUSTEE UNDERSTAND AND AGREE THAT AND SERVICES LLC HAVE NO DUTY, FIDUCIARY OR OTHERWISE, TO: (1) EVALUATE ANY INVESTMENT OPPORTUNITY OR (2) INVESTIGATE, EVALUATE OR REPORT TO THE EMPLOYER OR TRUSTEE ANY INFORMATION THAT MAY POSSESS OR MAY BECOME AWARE OF REGARDING ANY INVESTMENT OPPORTUNITY, ENTITY OR ENTERPRISE IN WHICH THE FUND IS INVESTING OR HAS INVESTED OR ANY SPONSOR OR MANAGEMENT OF SUCH INVESTMENT OPPORTUNITY. THE EMPLOYER AND TRUSTEE ACKNOWLEDGE THAT AND SERVICES LLC HAVE NO DUTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE EMPLOYER OR TRUSTEE, EXCEPT AS ARE EXPRESSLY SET FORTH IN THIS AGREEMENT. 9. Minimum Account Value Requirement Accounts requesting a distribution or transfer must retain the minimum cash in the account referred to in the applicable fee schedule or in an asset Company deems liquid in addition to the total amount due for invoiced fees. If the Employer s or Trustee s distribution/transfer request would leave the account with less than the required balance, the account may be automatically closed and the termination fee will apply. 10. The Employer s and Trustee s Responsibilities to Ensure Proper Ta Treatment, Payment of Liabilities and Compliance with Reporting Requirements The Employer and Trustee shall be solely and fully responsible for ensuring proper payment of any taes, ta penalties and other liabilities, and compliance with the Employer s and Trustee s reporting obligations, in connection with contributions to, disbursements from, or investments or transactions with respect 2016 TRUST COMPANY, a subsidiary of Opus Bank to the Fund, and for the consequences of such payment (or nonpayment) or of any noncompliance with applicable reporting requirements. Among other things, it shall be the sole and full responsibility of the Employer and/or Trustee to ensure that: (a) any contribution intended to be ta-deductible under the Code or any corresponding provision of state law is so deductible; (b) Fund earnings intended to be ta-deferred qualify for tadeferred treatment; and (c) all taes and penalties due are properly and timely paid and that all ta and other reporting requirements, other than those which under this Agreement has epressly undertaken to satisfy, are properly and timely complied with. Notwithstanding the foregoing,, in its sole discretion, may sell or liquidate assets in the Fund, in reverse order of purchase of assets, to the etent necessary to satisfy any ta deficiency with respect to the Fund reported to by the Internal Revenue Service, or of any liability properly chargeable to the Fund, and shall not be liable for any consequences of such sale, liquidation or payment. 11. Agents may engage agents and organizations, including but not limited to Services LLC, for the purpose of performing administrative or other custodial-related services in connection with the Fund or this Agreement. The limitations on the duties of under this Agreement or otherwise shall also apply to each agent or organization so engaged. 12. Transfers and Distributions shall, pursuant to the direction of the Employer or Trustee, transfer custody of Fund assets to the Trustee or another custodian or distribute Fund assets to a Plan participant, beneficiary or alternate payee. All requests for transfers and distributions from the Fund shall be in writing on a form provided by or acceptable to. The ta identification number of the recipient must be provided to before is obligated to make a distribution. Any distribution shall be subject to all applicable ta and other laws and regulations including possible early withdrawal penalties and withholding requirements. 13. Indemnification of and Services, LLC The Employer and Trustee agree to defend, indemnify and hold harmless, Services LLC, their employees, directors, shareholders, officers, agents and representatives, and any successors or assigns of the foregoing, from and against any and all damages, losses, liabilities, claims, actions, costs and epenses, including but not limited to attorneys fees, court costs and witness fees, that and Services LLC, or any of such persons may be subject to, incur or pay out, based on, as a result of, arising out of or otherwise related in any way to: (a) any act of or Services LLC or any other such person with respect to the Fund; (b) any claim, suit, action or liability that may be alleged or asserted against or Services LLC or any such person in connection with any investment made by or with respect to any act taken by or Services LLC or any such person pursuant to any direction from the Employer or Trustee or the Designated Representative or for failing to act in the absence of any such direction; SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 5

(c) the investment or any transaction involving any Fund asset by or any claims or allegations relating to any such investment or transaction, or; (d) any lawsuit, action, arbitration, formal inquiry or other legal proceeding in which or Services LLC or any other such person is named as a party (ecept for any action in which or Services LLC is named as a defendant by the Employer or Trustee alleging a breach of this Custodial Agreement by ). 14. Account Statements; Valuation of Assets (a) and Services LLC shall have no responsibility for the accuracy, or for determining the accuracy, of any account statement information based on information provided to or Services LLC by the Employer or Trustee and/or the Employer s or Trustee s Designated Representative, or for the particular ta treatment of any amounts reflected on s records. (b) It is the Employer s or Trustee s responsibility to review account statements promptly for any inaccuracies, discrepancies or other errors or omissions and immediately, but no event later than ninety (90) days after Services LLC provides the statement, report any such deficiencies in writing to Services LLC if Services LLC, is not notified as set forth herein, the statement will be considered accurate and the Employer or Trustee further agrees that neither nor Services LLC is liable for any errors, omissions or other discrepancies which may be brought to our attention thereafter. (c) Illiquid and non-publicly traded assets such as, but not limited to, notes, real property and private placements, generally shall be reported on account statements at the purchase price unless receives an updated statement or opinion of the asset s fair market value from the issuer or sponsor of the asset, or Designated Representative who is a RIA. shall have no responsibility to conduct or arrange for any appraisal of any asset or to verify any value reported to it by the issuer or sponsor of the asset, or Designated Representative who is RIA. An account statement reflecting the value of any such asset may not be relied upon as a basis for determining the intrinsic, current or market value of such asset, or for making, retaining or disposing of any investment or of entering into any transaction, or of the value of such asset for income ta purposes, or for purposes of calculating required or other distributions from or with respect to the Fund. The Employer or Trustee shall have sole responsibility for obtaining and providing the value of any such asset for any of the foregoing purposes. 15. Proies shall not, ecept as directed by the Employer or Trustee or the Designated Representative of either, vote proies. 16. Recorded Phone Lines and Services LLC reserve the right to install automatic telephone recording equipment on certain telephone lines used by Fund servicing personnel who handle investment functions and/or client inquiries. By signing the accompanying Custodial Agreement, the Employer or Trustee grants and Services LLC consent to record and play back such calls. 2016 TRUST COMPANY, a subsidiary of Opus Bank 17. Billing and Fee Collection (a) In consideration for services under this SOLO (k) Custodial Agreement, shall be paid the fees specified on the applicable Fee Schedule, the provisions of which are incorporated into this Agreement. Such fees may include, but are not limited to, account establishment, account maintenance, account termination and other account administrative fees as identified in the applicable Fee Schedule, as well as processing fees and Custodial Cash service fees. Account establishment fees shall be paid by the Employer or the Trustee at the time a completed and eecuted SOLO (k) Application is submitted to. Account administration, account termination, custodial processing services and other account administrative fees ( custodial on cash balances prior to the crediting of such interest to the SOLO (k) Custodial account at the end of each month. The Custodial Cash fee is charged as a percentage, as determined in the discretion of from time to time ( the percentage ), but not to eceed a maimum per annum rate of 3.50% of the average daily balance of custodial account cash as described in the UnInvested Cash section above. The actual amount of the Custodial Cash fee paid to will vary depending on the level of the cash balance held by the Employer or the Trustee in the SOLO (k) custodial account on a daily basis and the percentage charged by on the cash balance from time to time. The Custodial Cash fee may reduce the amount of net interest so paid to the Employer or the Trustee on a monthly basis to zero or a negligible amount. The Custodial Cash fee will not be charged against the principal balance of cash held by the Employer or by the Trustee in the custodial account. The account is only eligible to earn interest if it is open as of the interest crediting date, and any interest that may accrue during a month that an account is closed prior to the interest crediting date will be paid to as an additional fee. reserves the right to effect changes to its Fee Schedule, including an increase in the maimum percentage that may be charged for Custodial Cash fees, upon thirty (30) days prior written notice to the Employer or the Trustee, with the eception of the Custodial Cash fee percentage which will vary from time to time based on the cash balance held by the Employer or the Trustee in the custodial account and for which the percentage charged by may be changed at any time without notice if it does not eceed the maimum percentage. A reduction in the maimum percentage for the Custodial Cash fee may also be made by at any time without notice. Fees will continue to accrue and be payable even if the Account contains no assets from which can collect amounts owed by the Employer or the Trustee. (b) may charge the Employer or the Trustee, and/ or the custodial account, and shall be reimbursed by the Employer or the Trustee or the custodial account, for any reasonable epense incurred by in connection with any account services or activities that determines are necessary or advisable, or which are epressly directed by the Employer or the Trustee, and which are not included in the services provided by for its normal fees. will only pay epenses relating to the eternal administration of a specific investment held in the custodial account, such as property ta or association fees, from cash available in the custodial SOL-501D_Solo(k) Custodial Agreement_2016-06_V1 6